Bernard Plomteux
ActiveBernard Plomteux has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59k and a net result of €3k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 51% of 7017 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+57
Solvency80=
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.13 against 2.08 in 2024; short-term debt: 44.8% and cash: 84% of total assets), and 44.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
55.2%
Return on assets
3.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-03-2026, 123 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
123 d early
2024
41 d early
2023
55 d early
2022
66 d early
2021
25 d early
2020
72 d early
2019
38 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€59k▲ 6.3%
2024 · €55k
2018: €55k
2019: €57k
2020: €57k
2021: €37k
2022: €49k
2023: €57k
2024: €55k
2018 → 2025
Total assets
€106k▲ 6.3%
2024 · €100k
2018: €121k
2019: €81k
2020: €81k
2021: €71k
2022: €86k
2023: €100k
2024: €100k
2018 → 2025
Net result
€3k
2024 · €-2k
2018: €43k
2019: €4k
2020: €-13k
2021: €-6k
2022: €11k
2023: €9k
2024: €-2k
2018 → 2025
Working capital
€54k▲ 10.7%
2024 · €48k
2018: €23k
2019: €41k
2020: €43k
2021: €38k
2022: €48k
2023: €52k
2024: €48k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€37k-€49k▲ 30.3%€57k▲ 17.5%€55k▼ 3.5%€59k▲ 6.3%
Operating result€-6k-€12k€11k▼ 4.8%€-2k€5k
Net result€-6k-€11k€9k▼ 24.6%€-2k€3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €5k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €106k
Fixed assets
€5k▼ 25.0%
Current assets
€101k▲ 8.6%
Equity and liabilities €106k
Equity
€59k▲ 6.3%
Debt
€48k▲ 6.3%
The debt ratio stays at 44.8%.
Key figures and ratios
EBITDA
€7k▲
2024 · €-41
Cash flow
€5k▲
2024 · €-277
Solvency
55.2%=
2024 · 55.2%
Current ratio
2.13▲
2024 · 2.08
Quick ratio
2.13▲
2024 · 2.08
Debt / equity
0.81=
2024 · 0.81
ROE
6.0%▲
2024 · -3.6%
ROA
3.3%▲
2024 · -2.0%
Interest coverage
117.63▲
2024 · -0.76
Debt
€48k▲
2024 · €45k
Debt ≤ 1 year
€48k▲
2024 · €45k
Income taxes
€1k▲
2024 · €181
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€100k€106k▲
Fixed assets21/28€7k€5k▼
Tangible fixed assets22/27€7k€5k▼
Furniture and vehicles24€4k€2k▼
Other tangible fixed assets26€3k€3k▼
Current assets29/58€93k€101k▲
Amounts receivable within one year40/41€10k€11k▲
Trade receivables40€7k€10k▲
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€83k€89k▲
Deferred charges and accrued income490/1-€569
Equity and liabilities
Total equity and liabilities10/49€100k€106k▲
Equity10/15€55k€59k▲
Contributions10/11€12k€12k=
Reserves13€45k€46k▲
Distributable reserves133€45k€46k▲
Profit (loss) carried forward14€-2k€0▲
Amounts payable17/49€45k€48k▲
Amounts payable within one year42/48€45k€48k▲
Trade debts44€359€596▲
Suppliers440/4€359€596▲
Taxes, remuneration and social security45€2k€0▼
Taxes450/3€2k€0▼
Other amounts payable47/48€43k€47k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€720€739▲
Gross operating margin9900€679€7k▲
Operating profit (loss)9901€-2k€5k▲
Financial charges65/66B€54€55▲
Recurring financial charges65€54€55▲
Profit (loss) for the period before taxes9903€-2k€5k▲
Income taxes67/77€181€1k▲
Profit (loss) for the period9904€-2k€3k▲
Profit (loss) for the period to be appropriated9905€-2k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€2k▲
Profit (loss) brought forward from the previous period14P€54€-2k▼
Transfer to equity691/2€0€2k▲
To other reserves6921€0€2k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-13k ▼393%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
07-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 38 days late
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Bierbeek · 1 establishment unit since 2016
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Opvelpsestraat 73360 BierbeekGround area
2,252 m²
Building footprint
266 m²
Volume, LiDAR
1,122 m³
Parcel 24011H0270/00K003, Flanders · tallest building 8.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Bernard Plomteux
since 20162.250.653.188
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24011H0270/00K003 | Flanders | 2,252 m² | 1 · 266 m² | 8.9 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
KRAHULECZ CONSULTANCY
BE 0793.150.390
Watermaal-Bosvoorde · Eq €59k
Maven Consult
BE 0801.983.825
Wommelgem · Eq €59k
IV CONSULT
BE 0841.421.649
Ternat · Eq €59k
NoStrezz
BE 0789.992.744
Vilvoorde · Eq €59k
TeamJH1
BE 0728.961.433
Frasnes-lez-Anvaing · Eq €59k
Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 5,556 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded22-02-2016
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.